Downpayment Plus (DPP) / Downpayment Plus Advantage (DPP Advantage)

Downpayment Plus (DPP) / Downpayment Plus Advantage (DPP Advantage)是面向Wisconsin购房者的可免除贷款，由Federal Home Loan Bank of Chicago (FHLBank Chicago), delivered through participating member financial institutions管理。 Forgivable down payment and closing cost assistance grants for income-eligible homebuyers in Illinois and Wisconsin, provided through participating FHLBank Chicago member financial institutions. The grant is paid on behalf of the borrower at closing and forgiven on a monthly basis over a five-year retention period. DPP Advantage extends the assistance to homebuyers participating in nonprofit-led (e.g., Habitat for Humanity) first-mortgage programs. $28 million was made available across IL and WI in 2026. Forgivable grant of up to the lesser of $10,000 or 25% of the first mortgage amount toward down payment, closing costs, and up to $500 of homebuyer education/counseling costs.

Downpayment Plus (DPP) / Downpayment Plus Advantage (DPP Advantage)提供最高$10,000的援助。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Federal Home Loan Bank of Chicago (FHLBank Chicago), delivered through participating member financial institutions决定。

Downpayment Plus (DPP) / Downpayment Plus Advantage (DPP Advantage)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale, transfer, loss of owner-occupancy, or in some cases refinancing during the 5-year retention period (pro-rated, forgiven monthly). 该援助以second顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Downpayment Plus (DPP) / Downpayment Plus Advantage (DPP Advantage)面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程。 Household income at or below 80% of area median income (limits vary by county). Borrower must contribute a minimum of $1,000 toward the transaction (DPP; DPP Advantage requires no homebuyer contribution). Both pre-purchase homebuyer education and pre-purchase counseling required. A 5-year retention agreement is recorded on the property; grant forgiven monthly over 5 years. First mortgage term must be at least 5 years; interest-only first mortgages ineligible; on ARMs the initial rate lock must be at least 5 years. Cash back at closing cannot exceed $250. Available first-come, first-served while funds remain. May be combined with other federal/state/local programs subject to investor approval. Available only through participating FHLBank Chicago member institutions.

Downpayment Plus (DPP) / Downpayment Plus Advantage (DPP Advantage)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income at or below 80% of area median income; limits vary by county. 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Downpayment Plus (DPP) / Downpayment Plus Advantage (DPP Advantage)服务于在Wisconsin任何地方购房的购房者。

Downpayment Plus (DPP) / Downpayment Plus Advantage (DPP Advantage)的申请通过Federal Home Loan Bank of Chicago (FHLBank Chicago), delivered through participating member financial institutions办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。